Finance
Net Worth Calculator
Add up your assets, subtract your liabilities, and see your total net worth. A clear snapshot of your financial health.
Assets
Liabilities
Enter your assets & liabilities and click Calculate
Net Worth
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How is this calculated?
Formula: Simple subtraction of liabilities from assets.
Total Assets = Cash + Investments + Retirement + Real Estate + Vehicles + Other
Total Liabilities = Mortgage + Car Loans + Student Loans + Credit Cards + Other Debt
Net Worth = Total Assets − Total LiabilitiesCalculation history
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FAQ
Frequently asked questions
What counts as an asset for net worth?
Assets include anything of monetary value you own: cash and savings accounts, investment portfolios (stocks, bonds, mutual funds), retirement accounts (401k, IRA), real estate (market value), vehicles, jewelry, collectibles, and business ownership stakes. Use current market value, not purchase price.
What is a good net worth by age?
A common benchmark is: by 30, net worth should equal roughly half your annual salary. By 40, aim for 2× salary. By 50, 4× salary. By 60, 7× salary. These are medians for financially healthy households — your goals may differ based on lifestyle, location, and retirement plans.
How can I increase my net worth?
Focus on three levers: (1) increase income through career growth or side income, (2) reduce liabilities by paying down high-interest debt first (avalanche method), and (3) grow assets by consistently investing in diversified portfolios. Track net worth quarterly to stay motivated.
Should I include my primary home in net worth?
Yes, include your home at its current estimated market value as an asset, and your remaining mortgage as a liability. While you cannot easily liquidate your home, it is a significant part of your financial picture. Some planners calculate both "total net worth" and "liquid net worth" (excluding home equity).
Is negative net worth bad?
Negative net worth means liabilities exceed assets. It is common for young professionals with student loans or recent home buyers. It is not permanently "bad" — what matters is the trend. If your net worth is increasing over time (paying down debt, growing savings), you are on the right track.